Living expenses not just in Australia, but in some of the countries like Asia and part of Europe has been casted with the same picture. People far too often have to suffer to add some dollars to their bank account or cards.
I think this approach really works at a moment, when one passes 10 years of service to a job. Already started to raise a family and debts to some extent have created an impression.
Filling the debt, and continuing to build a financial journey upto the age of retirement and hoping for a secure financial future should be the aim of every considerate person, being cognizant of the reality.
The problem with the financial future, is that governments and corporations are the ones who control it. Building into their model, means risking them extracting more of it without any way to stop it.